Credit risk pantip

optimizing the design of a bank’s credit-portfolio-management unit Well-designed credit processes can reduce operating expenses by 15 to 20 percent and risk costs by more than 20 percent, while improving customer experience.

The supervisor’s action plan for credit risk covers a number of areas and could put banks under significant pressure.
First, the ECB is planning targeted reviews to assess banks’ implementation of the European Banking Authority (EBA) guidelines on loan origination and monitoring.